17/08/2026
Study at Top 25 World Universities: PM's Interest-Free Loan for Pakistani Students (MS & PhD)
If you are able to get into Top 25 Universities in the World for Masters & PhD , then get Interest Free Loan for Tuition fee and for living expenses and for health insurance and pursue your dream
PM’s Interest-Free Loan Scheme for Overseas Education (MS & PhD)
Pakistan Education Endowment Fund (PAK-EEF)
📌 Program Overview & Financial Terms:
• Nature of Assistance: Interest-Free (No Mark-up) and Partial Funded.
• Repayment: Flexible repayment period up to 10 years.
• Coverage: Tuition fees, living expenses, travel & insurance partial support (up to the available threshold).
• Processing Fee: Zero application or processing fee.
📚 Approved Disciplines & Subject Areas:
• AI, Data Science, Cybersecurity, Renewable Energy, Climate Change, and Biotechnology
• Focus: The degree program is offered at a World Top 25 QS/THE institution. Can be subject wise also
🎯 Eligibility Criteria:
• Nationality: Pakistani / AJK / Gilgit-Baltistan (GB) nationals.
• Degree Level: Exclusively for MS / MPhil and PhD programs.
• University Ranking: Secured admission in top 25 QS / THE ranked universities worldwide.
• Age Limit (at closing date): Maximum 30 years for MS | Maximum 35 years for PhD.
• Must demonstrate financial need, verified through BISP and NADRA
How to Apply:
Applications are processed on a rolling basis, and the online portal remains open until further notice.
Apply Online:
https://gradwinner.com/articles/pm-interest-free-loan-overseas-education
